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# DAS Scotland: DAS Scotland help individuals in Scotland manage their debts and get their lives back on track using the Debt Arrangement Scheme, Protected Trust Deeds and other forms of legislated Scottish debt help. 


## Sitemaps
[XML Sitemap](https://dasscotland.net/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Debt Management Plan vs Debt Arrangement Scheme](https://dasscotland.net/debt-management-plan-vs-das-scotland/): When you're struggling with debt and looking for ways to get back to a level you're comfortable with - you may be contemplating what informal and formal debt repayment plans are available to consider, and have seen companies offering a debt management plan.
- [Debt Arrangement Scheme: What happens next?](https://dasscotland.net/debt-arrangement-scheme-what-happens-next/): What happens next in the Debt Arrangement Scheme application process?
- [Low And Grow Debt Payment Plans](https://dasscotland.net/low-and-grow-debt-payment-plans-2021/): Low and Grow Debt Payment Plans, or Low and Grow DAS as they are also referred to, are the latest tool being rolled out to help people with unaffordable debts in Scotland.
- [What is a DAS?](https://dasscotland.net/what-is-a-das/): What is a DAS? DAS stands for Debt Arrangement Scheme and is a statutory debt solution with many of the same benefits as a Protected Trust Deed.
- [Debt Arrangement Scheme Reviews](https://dasscotland.net/debt-arrangement-scheme-reviews/): Trust Deed Scotland recently reached a milestone of over 7,000 Trustpilot reviews and whilst most of those reviews were for the Protected Trust Deed solution, a growing number of those testimonials are also Debt Arrangement Scheme reviews.
- [Is A DAS Worth It?](https://dasscotland.net/is-a-das-worth-it/): Alongside Is A Trust Deed A Good Idea, many people ask Trust Deed Scotland® the question of Is A DAS worth it?
- [What Is A Debt Payment Programme in Scotland?](https://dasscotland.net/what-is-debt-payment-programme-scotland/): A Debt Payment Programme in Scotland (DPP) is the term used to describe how much you pay back to your debts each month as part of a Debt Arrangement Scheme (DAS).

## Pages
- [Request Callback](https://dasscotland.net/callback):  
- [Trust Payments](https://dasscotland.net/trust-payments/)
- [Debt Help Schemes And Solutions In Scotland](https://dasscotland.net/debt-help-schemes-solutions)
- [My account](https://dasscotland.net/my-account/): Login Username or email address *Required Password *Required Remember me Log in Lost your password?
- [Checkout](https://dasscotland.net/checkout/)
- [Cart](https://dasscotland.net/cart/)
- [Shop](https://dasscotland.net/shop/)
- [Bankruptcy Support & Free Debt Solutions Providers](https://dasscotland.net/bankruptcy-support/)
- [Support Services](https://dasscotland.net/support-services/)
- [IVA Scotland – Scottish Individual Voluntary Arrangement](https://dasscotland.net/iva-scotland)
- [Debt Consolidation Scotland](https://dasscotland.net/debt-consolidation)
- [Advertising Substantiation](https://dasscotland.net/adterms)
- [Terms & Conditions](https://dasscotland.net/terms-conditions/)
- [About DAS Scotland](https://dasscotland.net/about-das-scotland):  
- [Privacy Policy](https://dasscotland.net/privacy/)
- [DAS Wizard](https://dasscotland.net/das-wizard)
- [Sitemap](https://dasscotland.net/sitemap/)
- [DAS Scotland – Scottish Debt Arrangement Scheme](https://dasscotland.net/)
- [Protected Trust Deeds](https://dasscotland.net/tds/)
- [Fee Information](https://dasscotland.net/fees-key-information/)
- [Complaints Procedure](https://dasscotland.net/complaints-procedure/)
- [Debt Help In Scotland](https://dasscotland.net/debt-help-in-scotland)
- [Contact DAS Scotland](https://dasscotland.net/contact):  
- [Blog](https://dasscotland.net/blog/)
- [DAS Scotland Customer Reviews](https://dasscotland.net/customer-reviews)

## Products
- [Debt Arrangement Scheme Payment](https://dasscotland.net/product/debt-arrangement-scheme-payment/): Please enter your Debt Arrangement Scheme payment amount due to be paid to Harper McDermott.  

## FAQs
- [How many people use the Debt Arrangement Scheme?](https://dasscotland.net/faq/how-many-use-das-scotland): According to official AiB data, there were 5,309 Debt Payment Programmes under the Debt Arrangement Scheme approved in Scotland in 2024. This compares to 5,123 people getting a Trust Deed Protected in the same year.
- [*Scotland’s No.1 Debt Solutions Provider](https://dasscotland.net/faq/scotlands-no-1-debt-solutions-provider/): DAS Scotland (Harper McDermott Ltd) is Scotland’s No.1 Debt Solutions Provider, specialising in the Debt Arrangement Scheme and Protected Trust Deeds. Here’s why:
- [Can I get help with my debts in Scotland?](https://dasscotland.net/faq/get-help-with-my-debts-in-scotland/): You can get help with your debts in Scotland from a number of places. Most of which will give you free initial debt advice at the very least. If you owe money to a number of creditors, you can make arrangements to repay your debts using a formal debt solution.
- [Can I include rent or mortgage arrears in my DAS?](https://dasscotland.net/faq/can-i-include-rent-or-mortgage-arrears-in-my-das/): In the Debt Arrangement Scheme, you can choose not to include your rent or mortgage arrears in your Debt Payment Programme. You may want to do this if you already have an arrangement to pay off the arrears with your landlord or lender. Discuss this with your debt adviser.
- [How long does it take to approve a DPP?](https://dasscotland.net/faq/how-long-does-it-take-to-approve-a-dpp/): Once we have gathered information for all your debts we'll issue DPP proposals to each of your creditors. They then have 3 weeks to agree to the proposal.
- [Can I freeze my interest and charges?](https://dasscotland.net/faq/can-i-freeze-my-interest-charges/): When you enter into the Debt Arrangement Scheme (or a PTD) your future interest and charges will be frozen.
- [Does a DAS protect my home?](https://dasscotland.net/faq/does-a-das-protect-my-home/): Your assets are not taken into consideration with the Debt Arrangement Scheme. So homeowners, for example, are protected as long as their mortgage or secured loan payments are maintained.
- [Can a DAS write off my debt?](https://dasscotland.net/faq/can-a-das-write-off-my-debt/): The Debt Arrangement Scheme will not write off your debt.
- [How long does a Debt Payment Programme last?](https://dasscotland.net/faq/how-long-does-a-debt-payment-programme-last/): The length of your Debt Payment Programme (DPP) under the Debt Arrangement Scheme (DAS) will depend on how much debt you owe and how much surplus money you have left over each month to pay towards your unaffordable debt. You’ll only be able to set up a DPP if you can repay what you owe in a reasonable amount of time. This may be up to 12 years, however, it is unusual for a DPP to last as long.
- [Can I do a joint DAS with my partner?](https://dasscotland.net/faq/can-i-do-a-joint-das-with-my-partner/): A joint DAS application can be made regardless of the existence of joint debts.
- [Can I keep my car finance while in a DAS?](https://dasscotland.net/faq/can-i-keep-my-car-finance-while-in-a-das/): It's worth noting that should you enter into a Protected Trust Deed that while a car is considered to be an asset, typically you may be allowed to keep your car and continue to repay the car finance as usual. However, this is complicated by the value of the car and advice should be sought in advance of entering into a Protected Trust Deed.
- [Is DAS the same thing as insolvency?](https://dasscotland.net/faq/is-das-the-same-thing-as-insolvency/): The Debt Arrangement Scheme (DAS) is not a formal insolvency procedure. The Debt Arrangement Scheme is a structured Debt Payment Programme (DPP) that helps people in Scotland pay off their unaffordable debts in a more affordable way.
- [Would I qualify for the Debt Arrangement Scheme?](https://dasscotland.net/faq/would-i-qualify-for-a-das/): If you'd like to find out whether you would qualify for the Debt Arrangement Scheme (DAS) you should give us a call on 0141 241 6299 and you can then speak to an experienced debt adviser to find out what your options are. Your circumstances are unique to you and by getting tailored debt advice, you will have a clearer idea of the types of formal debt solutions you may be eligible for.
- [What is the purpose of a Trust Deed?](https://dasscotland.net/faq/what-is-the-purpose-of-a-trust-deed/): The main purpose of a Protected Trust Deed is to provide a solution to problem debt for Scottish residents.
- [What is a Debt Payment Programme?](https://dasscotland.net/faq/what-is-a-debt-payment-programme/): A Debt Payment Programme (DPP) is the term used to describe the repayment plan you would agree to repay under the Debt Arrangement Scheme (DAS) in Scotland.
- [Is the Debt Arrangement Scheme a type of Bankruptcy?](https://dasscotland.net/faq/is-the-debt-arrangement-scheme-a-type-of-bankruptcy/): No. DAS; the Debt Arrangement Scheme (DAS) is not a type of Bankruptcy (Sequestration in Scotland) it is instead a structured, formal debt repayment plan for residents of Scotland.
- [What are the DAS Scotland fees for setting up a DPP?](https://dasscotland.net/faq/what-are-the-das-scotland-fees-for-setting-up-a-dpp/): There are no setup fees payable by an individual entering into a Debt Payment Plan (DPP) through the Debt Arrangement Scheme. This is the same for all individuals whether they use an insolvency practitioner/private sector firm (e.g. Harper McDermott Ltd) or a public sector organisation (e.g. CAB or local authority Money Adviser).
- [Will my proposal be accepted by the people to who I owe money?](https://dasscotland.net/faq/will-my-payment-proposal-get-accepted/): Our current Debt Payment Programme (DPP) under the Debt Arrangement Scheme (DAS) creditor acceptance rate is 99.8%.
- [*Can I really write off up to 70% of my unaffordable debt?](https://dasscotland.net/faq/can-i-really-write-off-up-to-70-of-my-unaffordable-debt/): Yes, however, your expected write-off amount will be dependent on your individual circumstances.
- [How does a Scottish Trust Deed work?](https://dasscotland.net/faq/how-does-a-scottish-trust-deed-work/): A Scottish Trust Deed is a statutory debt solution in Scotland that reduces unsecured debt repayments down to one single monthly payment and writes off a significant part of your unaffordable debts.
- [How to apply for a DPP under the Debt Arrangement Scheme](https://dasscotland.net/faq/how-to-apply-for-a-dpp-debt-arrangement-scheme/): If you want to apply for a DPP (Debt Payment Programme) under the Debt Arrangement Scheme with DAS Scotland, you would typically follow this process:
- [About Trust Deed Scotland](https://dasscotland.net/faq/about-trust-deed-scotland/): Scotland's No.1 Trust Deed Company ✓ Reach a Brighter Future In 48 Months ✓ Find Out Now If You Qualify ✓ 30,000 Helped ✓ Call 0141 221 0999. Official Site.
- [What is Low and Grow DAS?](https://dasscotland.net/faq/what-is-low-and-grow-das/): Low and Grow DAS is a formal debt solution introduced in January 2021 that may help Scottish residents who have experienced a loss of income due to the Coronavirus pandemic.
- [How many people use Trust Deeds?](https://dasscotland.net/faq/how-many-people-use-trust-deeds/): According to official AiB data, there were 5,178 Trust Deeds advertised in Scotland in 2024. This compares to 5,594 people using Trust Deeds in the previous year of 2023.
- [Making sure it’s Trust Deed Scotland](https://dasscotland.net/faq/making-sure-its-trust-deed-scotland/): Find out more about Trust Deed Scotland® and here are our top ten tips to help you choose the correct firm, making sure you're speaking to a legitimate debt advisory firm.
- [Finding a Trust Deed company](https://dasscotland.net/faq/finding-a-trust-deed-company/): When you're looking into finding a Trust Deed company, with over 30,000 people helped in Scotland over a decade, we are in an excellent position to be able to help you apply for a Trust Deed and look forward to enjoying a brighter future.
- [What Scottish Debt Solution is right for you?](https://dasscotland.net/faq/what-scottish-debt-solution-is-right/): Which Scottish debt solution is right for you may depend on a number of factors. As always, these depend on your unique situation.
- [Choosing a Scottish Debt Solutions provider](https://dasscotland.net/faq/choosing-a-scottish-debt-solution-provider/): When choosing a Scottish debt solutions provider, firstly consider that Trust Deeds, Debt Arrangement Scheme and Sequestration are formal and legally-binding agreements between you and your creditors to pay back your debts over a period of time.
- [What does life after debt look like?](https://dasscotland.net/faq/what-is-life-after-debt/): What does life after debt look like? When we talk about life after debt or a brighter future, we're referring to the period after you've successfully completed the solution that you have chosen to clear your debts.
- [How long does DAS take to set up?](https://dasscotland.net/faq/how-long-does-a-das-take-to-set-up/): How long does the DAS take to setup?
- [How long does a DAS stay on your credit file?](https://dasscotland.net/faq/how-long-does-a-das-stay-on-your-credit-file/): When your Debt Payment Programme is approved, you are placed on the DAS register. This is coordinated and managed by the DAS administrator and is available to potential lenders who you may be looking to borrow from.
- [Is an IVA the same as a Trust Deed?](https://dasscotland.net/faq/is-an-iva-the-same-as-a-trust-deed/): IVAs, also known as Individual Voluntary Arrangements are the English, Welsh and Northern Irish equivalent of Trust Deeds in Scotland but an IVA is not exactly the same as a Trust Deed.
- [Is a Trust Deed insolvency?](https://dasscotland.net/faq/is-a-trust-deed-insolvency/): Protected Trust Deeds are a form of personal insolvency in Scotland.
- [Is a DAS right for me?](https://dasscotland.net/faq/is-a-trust-deed-right-for-me/): In Scotland, the Debt Arrangement Scheme is a formal debt solution that offers a way to manage your unaffordable debt.
- [How quickly can the Debt Arrangement Scheme be set up?](https://dasscotland.net/faq/how-long-does-it-take-to-set-up-das/): How quickly can your Debt Payment Programme under the Debt Arrangement Scheme (DAS) be set up?
- [How much does DAS cost?](https://dasscotland.net/faq/how-much-does-das-cost/): Your DPP payments will be calculated based on what you can afford to pay after all of your essential expenditures have been paid.
- [Who is eligible for a DAS?](https://dasscotland.net/faq/who-is-eligible-for-a-das/): You are eligible for a DAS (Debt Arrangement Scheme) if you are a resident of Scotland and also have money left over at the end of each month (after you’ve paid your household costs, like rent/mortgage/accommodation, food shopping, and utility bills) and you can clear your debts in a reasonable amount of time.
- [Am I eligible for a Trust Deed?](https://dasscotland.net/faq/am-i-eligible-for-a-trust-deed/): Trust Deeds in Scotland are only available to residents who have lived in Scotland for at least six months before they apply. Trust Deeds can allow for a large percentage of your unaffordable debts to be written off and, typically last a period of 48 months.
- [Does a Trust Deed affect credit rating?](https://dasscotland.net/faq/does-a-trust-deed-affect-credit-rating/): Yes. Entering into a Trust Deed will affect your credit rating for 6 years from the date the Trust Deed begins.
- [What is a Trust Deed in Scotland?](https://dasscotland.net/faq/what-is-a-trust-deed-in-scotland/): What is a Trust Deed? A Trust Deed in Scotland is a legally binding, voluntary agreement between you and your creditors to repay your debts at an affordable level, typically over a period of 48 months.
- [Are Trust Deeds a good idea?](https://dasscotland.net/faq/is-a-trust-deed-a-good-idea/): If you want to learn more about whether a Trust Deed is a good idea, call Trust Deed Scotland on 0141 221 0999 for tailored debt advice today.
- [What is the criteria for a Protected Trust Deed?](https://dasscotland.net/faq/what-criteria-protected-trust-deed/): The basic criteria for a Protected Trust Deed include:
- [What debts can be included in a business DAS?](https://dasscotland.net/faq/what-debts-can-be-included-in-a-business-das/): As well as a Business DAS, you may qualify for other forms of self-employed debt help.
- [What Is Persistent Debt?](https://dasscotland.net/faq/what-is-persistent-debt/): Persistent Debt in a term used by credit card lenders when you pay more in interest and charges on your credit card than you’ve repaid of the amount borrowed. If you’ve received a letter from your bank telling you that have a 'persistent debt', you may feel upset, even if you don’t think you’re 'in debt' at that moment.
- [Are there other debt solutions?](https://dasscotland.net/faq/are-there-other-debt-solutions/): Yes, we offer advice on all Scottish debt solutions and if a Trust Deed isn’t the right for you, there are other options in Scotland such as:
- [Who is the governing body for Trust Deeds?](https://dasscotland.net/faq/who-is-the-governing-body-for-trust-deeds/): The governing body for Trust Deeds is known as the Accountant in Bankruptcy (AiB). The AiB supervises all Trust Deeds however each Insolvency Practitioner is licensed by their own regulatory body.
- [When can you get credit after a Trust Deed?](https://dasscotland.net/faq/when-can-you-get-credit-after-a-trust-deed/): A Protected Trust Deed remains on your credit file for six years from its start date, alongside previous default notices, and before you’re discharged you won’t be able to obtain credit.
- [What does it mean when a debt is discharged?](https://dasscotland.net/faq/what-does-it-mean-when-a-debt-is-discharged/): If you are discharged from your debt you legally no longer owe this debt and can’t be pursued for it.
- [What happens if you don’t pay your Trust Deed?](https://dasscotland.net/faq/what-happens-if-you-dont-pay-your-trust-deed/): If you don’t speak to your Trustee and fail to make the agreed monthly payments you will be in breach of the terms of your Trust Deed and further action could be taken against you.
- [What happens if you apply for a loan while in a Trust Deed?](https://dasscotland.net/faq/applying-for-a-loan-while-in-a-trust-deed/): You shouldn’t take out any loans or other forms of credit while in a Trust Deed, or other formal debt solutions like the Debt Arrangement Scheme.
- [Can you buy a property when in a Trust Deed?](https://dasscotland.net/faq/can-you-buy-a-property-when-in-a-trust-deed/):  You would struggle to be accepted for a mortgage whilst you are in a Scottish Trust Deed. Any property that you buy in the duration of your Trust Deed vests with the Trustee.
- [Will a Trust Deed affect my Partner or Spouse?](https://dasscotland.net/faq/will-a-trust-deed-affect-my-partner-spouse/): Entering into Trust Deeds will not affect your partner or spouse unless you have joint debt together.
- [Will a Trust Deed affect my job?](https://dasscotland.net/faq/will-a-trust-deed-affect-my-job/): Certain employers may not allow any form of insolvency, particularly if you work in the finance industry. We can give you advice on this during a phone call.
- [Is there an age restriction for Trust Deeds?](https://dasscotland.net/faq/is-there-an-age-restriction-for-trust-deeds/): You need to be at least 18 to enter into a Trust Deed. This is because if you’re below the age of 18 you typically wouldn’t be able to borrow money legally anyway, as you cannot sign credit agreements if you are under the age of 18 in Scotland.
- [How much debt do I need to take out a Trust Deed?](https://dasscotland.net/faq/how-much-debt-do-i-need-to-take-out-a-trust-deed/): The minimum debt level required to enter into a Trust Deed is £5,000 and this total debt amount is based on your unsecured debts only.
- [Who can enter a Trust Deed?](https://dasscotland.net/faq/who-can-enter-a-trust-deed/): A Trust Deed is available to people who have been living in Scotland for more than six months and who have total unsecured debts of £5,000 or more.
- [What is a Trustee?](https://dasscotland.net/faq/what-is-a-trustee/): A Trustee is a person who takes responsibility for managing money or assets in an official capacity. In the context of Trust Deeds, a licensed Insolvency Practitioner will take on the role of Trustee, and they will administer the Scottish Trust Deed on your behalf.
- [What is a Deed of Trust?](https://dasscotland.net/faq/what-is-a-deed-of-trust/): The difference between a Protected Trust Deed and a Deed of Trust is quite significant.
- [Where are Trust Deeds registered?](https://dasscotland.net/faq/where-are-trust-deeds-registered/): Trust Deeds are registered on the Register of Insolvencies.
- [How much does a Trust Deed cost?](https://dasscotland.net/faq/how-much-does-a-trust-deed-cost/): You don’t need to pay any setup fees upfront for your Trust Deed but there are costs involved in running a Trust Deed, such as:
- [What debts can I include in a Trust Deed?](https://dasscotland.net/faq/what-debts-can-i-include-in-a-trust-deed-2/): A Scottish Trust Deed can include most unsecured debts, including:
- [What does Protected Trust Deed mean?](https://dasscotland.net/faq/what-does-protected-trust-deed-mean/): A Protected Trust Deed is the status your Trust Deed gains when the majority of your creditors agree to its terms and the AIB or ‘Accountant in Bankruptcy’  to protect it.
- [What is different about DAS vs a Protected Trust Deed?](https://dasscotland.net/faq/what-is-different-about-das-and-trust-deed/): Unsecured debt amount – For DAS, there is no minimum debt level required in a Debt Payment Programme (DPP) however, to qualify for a Protected Trust Deed, you must owe at least £5,000 of unsecured debt such as credit cards and loans.
- [What debts can be included in a DPP?](https://dasscotland.net/faq/what-kinds-of-debt-included-in-a-das/): Your Debt Payment Plan can include most unsecured debts, including:
- [How long does the Debt Arrangement Scheme last?](https://dasscotland.net/faq/how-long-does-a-debt-arrangement-scheme-last/): For an individual, a Debt Arrangement Scheme in Scotland can last for a ‘reasonable’ length of time with no official minimum or maximum length.
- [Would Sequestration affect my job?](https://dasscotland.net/faq/would-sequestration-affect-my-job/): It is possible that being sequestrated could affect your existing employment and prospects for future employment.
- [Does Sequestration affect my credit file?](https://dasscotland.net/faq/does-sequestration-affect-my-credit-file/): Yes, Sequestration does affect your credit file.
- [When does Sequestration end?](https://dasscotland.net/faq/when-does-sequestration-end/): You are discharged from Sequestration typically 12 months after you formally entered the process. For Minimal Asset Process, you are discharged after a period of 6 months.
- [How much does Sequestration cost?](https://dasscotland.net/faq/how-much-does-sequestration-cost/): There is a charge of £200 to go through Sequestration. You might be able to pay this in installments.
- [What do other people say about Trust Deed Scotland?](https://dasscotland.net/faq/what-do-other-people-say-about-trust-deed-scotland/): You can read over 13,000 Trust Deed Scotland reviews from other people on Trustpilot and on our Trust Deed Scotland reviews page.
- [What happens if I have equity in my home?](https://dasscotland.net/faq/what-happens-if-i-have-equity-in-my-home/): If you’re a homeowner and your property is worth more than the amount owed on your mortgage, you may have to release some of its equity in order to proceed with a Trust Deed.
- [Will I lose any of my assets if I enter a Trust Deed?](https://dasscotland.net/faq/will-i-lose-any-of-my-assets-if-i-enter-a-trust-deed/): Your assets will be safe if you stick to the Trust Deed’s terms.
- [Will a Trust Deed affect my credit rating?](https://dasscotland.net/faq/will-a-trust-deed-affect-my-credit-rating/): Your credit rating will be affected, but in our experience, if you have overextended yourself - even if you haven’t missed payments, it may have already been damaged.
- [Will I be able to get a mortgage after completing a debt solution?](https://dasscotland.net/faq/will-i-be-able-to-take-out-a-mortgage-after-completing-a-trust-deed-term/): Many customers of ours have gone on to get a mortgage after completing a debt solution. It really depends on your income and whether you can convince a mortgage lender that you’re a responsible borrower.
- [What happens after a Trust Deed arrangement is complete?](https://dasscotland.net/faq/what-happens-after-a-trust-deed-term-is-complete/): When your agreed Trust Deed term has been complete, your Trustee will issue you with a letter of discharge and you will then be formally discharged from your Trust Deed.
- [How long does a Trust Deed last in Scotland?](https://dasscotland.net/faq/how-long-does-a-trust-deed-last/): 4 years. Typically Trust Deeds in Scotland last for 4 years. You will make one fixed regular affordable monthly payment to your Trustee, who distributes the money to your creditors, minus their fee for arranging and managing the Trust Deed.
- [How are Trust Deed monthly payments calculated?](https://dasscotland.net/faq/how-are-trust-deed-monthly-payments-calculated/): Your Trust Deed monthly payments are calculated using your disposable income. Your disposable income is a figure based on a deduction of your essential living costs and offsetting this against your income. The amount left over is the amount of money that you have left to pay your creditors.
- [Are there any fees when setting up a Trust Deed?](https://dasscotland.net/faq/are-there-any-fees-when-setting-up-a-trust-deed/): No setup fees are involved in setting up a Trust Deed. All administration fees are included in your monthly payments:
- [What unsecured loans aren’t covered by a Trust Deed?](https://dasscotland.net/faq/what-unsecured-loans-arent-covered-by-a-trust-deed/): Student loans can’t be included in a Scottish Trust Deed but most other unsecured loans can be considered.
- [Secured vs Unsecured debt meaning explained](https://dasscotland.net/faq/secured-vs-unsecured-debt-meaning/): The meaning of a secured vs an unsecured debt is explained as follows - A secured debt is any debt that is secured against an item. The company lending you the money will use your asset as security if you can’t repay your loan, which means your lender has the right to repossess your home or car (whatever asset was used to secure the loan.)
- [What’s the minimum debt level required for a Trust Deed?](https://dasscotland.net/faq/minimum-debt-level-trust-deed/): £5,000 of unsecured debt is the minimum debt level required to qualify for a Trust Deed.
- [What if my circumstances change while in a solution?](https://dasscotland.net/faq/what-if-my-circumstances-change-in-a-solution/): If your circumstances change when you're in a debt solution such as a Trust Deed or the Debt Arrangement Scheme, the most important thing to remember is that you immediately tell your Trustee (or Money Adviser) of any financial changes that will prevent you from making the agreed Trust Deed or Debt Payment Programme (DPP) payment amount.
- [Who Are DAS Scotland?](https://dasscotland.net/faq/who-are-das-scotland/): DAS Scotland & Trust Deed Scotland®  are trading names of Harper McDermott Ltd.
- [What debts can be included in Trust Deeds?](https://dasscotland.net/faq/what-debts-can-i-include-in-a-trust-deed/): Almost all unsecured debts can be included in Trust Deeds such as:
- [Will my creditors agree to a Trust Deed?](https://dasscotland.net/faq/will-my-creditors-agree-to-a-trust-deed/): With our insolvency industry experience, a fantastic rate of over 99% of our Trust Deed proposals are accepted.
- [Is my home and car protected?](https://dasscotland.net/faq/is-my-home-and-car-protected/): This is a common question that homeowners ask when they approach us for Debt Advice, and the answer in most cases is yes.
- [Will I be contacted by creditors while in a Scottish Debt Solution?](https://dasscotland.net/faq/creditor-contact-in-a-debt-solution/): However, once you enter into a debt solution, your creditors will be required to direct any contact to your Money Adviser, or Trustee, rather than to you personally.
- [What’s the disadvantages to this?](https://dasscotland.net/faq/whats-the-downside-to-this/): As with all formal debt solutions in Scotland, one of the main disadvantages for you will be how it affects your credit rating.